Paycheck Tax Calculator
Estimate your net take-home pay after federal, state, and FICA tax withholdings.
Net Take-Home Pay (per period)
$0.00
- Net Pay$0.00
- Federal Income Tax$0.00
- FICA (SS + Medicare)$0.00
- State Tax$0.00
- Gross (per period)$0.00
Understanding Your Paycheck Withholdings
When you receive your pay stub, the total amount earned (Gross Pay) differs from the cash deposited into your bank account (Net Pay). Mandatory paycheck deductions include:
- FICA Taxes: Mandatory federal payroll contributions consisting of Social Security (6.2%) and Medicare (1.45%).
- Federal Income Tax: A progressive tax withheld based on your W-4 settings, filing status (Single, Married), and income brackets.
- State & Local Taxes: Income taxes collected by your state or city. States like Texas, Florida, and Washington charge 0% state income tax.
Formula
Net Pay = Gross − FICA − Federal Tax − State Tax
2026 Federal Income Tax Brackets (Single)
| Taxable Income | Rate |
|---|---|
| $0 – $11,600 | 10% |
| $11,601 – $47,150 | 12% |
| $47,151 – $100,525 | 22% |
| $100,526 – $191,950 | 24% |
| $191,951 – $243,725 | 32% |
| $243,726 – $609,350 | 35% |
| $609,351+ | 37% |
Frequently Asked Questions
FICA (Federal Insurance Contributions Act) is a mandatory federal law that funds current Social Security retirees and Medicare healthcare benefits.
Married individuals filing jointly receive a higher standard deduction and wider tax brackets, resulting in lower total tax withholding compared to Single filers.
Social Security tax (6.2%) only applies to earnings up to the annual limit ($168,600). Income earned above this cap is exempt from Social Security withholding.